Banks and financial service providers must ultimately look to their future customers to survive and prosper in the increasingly crowded market, i.e., they must focus on the Millennial-Zillennial-Gen Z groups to reap the benefits.
According to a Morgan Stanley analysis from 2019, Millennials will continue to be the largest driver of net new loan demand over the next seven years. As a third of all consumer debt is expected to be owed by Gen Z by 2040, banks will have to compete with one another for their business.
In addition to making up the majority of the client base, these generations have also caused a fundamental shift in the banking and financial services sectors because to their shared traits, viewpoints, and beliefs.
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14. Joss Norton deposited a check for $474.85 and a check for $821.15. He
received $50 In cash. What was his total deposits?
which one of the following is a potential problem with management's comunication of financial information that causes third parties to desire the independent auditor's assessment of the financial statement presentation
Complexity of transactions affecting the financial statements and
Remoteness of the user from the organization
What is financial statement?The business operations and financial performance of an organization are described in financial statements, which are written records. To ensure accuracy and for tax, financing, or investing purposes, financial statements are frequently audited by government entities, accountants, corporations, etc.
The balance sheet, income statement, cash flow statement, and statement of changes in equity are the four basic financial statements for for-profit entities. Financial statements are used by nonprofit organizations, although they are similar.
Financial statistics are used by investors and financial analysts to assess a company's performance and forecast the course of its stock price in the future. The annual report, which includes the company's financial statements, is one of the most crucial sources of accurate and audited financial data.
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How would you best spend R1000 in a period of one month as a teenager
As a teenager who has R1,000 to spend in one month, you should save 20%, spend 50% on the things you need, and 30% on the things you want.
How should the money be spent?One of the best ways to spend money as a teenager is to use the 50/30/20 rule.
This rule means that you spend 50% of the R1,000 on needs such as schooling equipment and essential clothing and school lunch.
30% should then be spent on wants such as new shoes or on going out with friends. 20% of the R1,000 should then be saved which comes to about R200.
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Market for almonds Price ($/pound) 13 14 15 16 17 18 ‐------------ Quantity Demanded 1600 1500 1400 1300 1200 1100 ---------- Quantity Supplied 1200 1300 1400 1500 1600 1700 Suppose consumers decide that pistachios provide more nutritional benefits. This changes the quantities demanded of almonds by 400. What is the new market equilibrium price [ Select ] and quantity [ select ]
Based on the fact that pistachios are said to provide more nutritional benefits and the quantities demanded of almonds are changed, the new market equilibrium price is $13 and the new equilibrium quantity is 1,300 pounds.
What is the new equilibrium price and quantity?The change in demand for almonds by 400 means that the demand for almonds falls at every price level.
This means that the new quantities for almonds would be:
Price / pound Quantity demand Quantity supplied
13 1,200 1,200
14 1,100 1,300
15 1,000 1,400
16 900 1,500
17 800 1,600
18 700 1,700
The new equilibrium quantity (where quantity demanded and quantity supplied are equal) is therefore 1,200 pounds of almonds.
The new equilibrium price would be the price at this new equilibrium quantity which is $13.
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A supplier is an external stakeholder that?
Answer: A supplier is an external stakeholder that a business must communicate with.
Explanation: It is very important that good communication is maintained with suppliers as they provide the goods and services that are necessary for a business to operate.
What were his earnings for this week? answer please
Answer:
$23,175
Explanation:
The commission sales are 3%, and the sales amount is $22,500.
Divide 22,500 by 100 to find the cost per percentage.
$22,500 / 100 = $225
So, $225 = 1% of commissions
Now, $225 x 3 = $675
3% of commissions = $675
$22,500 + $675 = $23,175
I hope this helps!
coso enterprise risk management framework, each of the following is considered by management as part of a risk assessment
COSO enterprise risk management framework as Unknown risk.
What is risk assessment?Identifying and assessing probable occurrences that could harm people, property, and/or the environment, as well as making decisions "on the tolerability of the risk based on a risk analysis" while taking influencing factors into account, are all incorporated into a risk assessment. Enhancing occupational health and safety is the ultimate goal of risk assessments. But to do this, workplace hazards must be identified and the risks they cause must be diminished or eliminated as part of the risk assessment process. Risk assessments at work are the employer's responsibility, thus they are in charge of seeing that they are done. As long as they are qualified to do so, an employer can choose a suitable person to do a risk assessment on the organization's behalf.
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bobby and josephine are married and they work together. they have decided to maintain separation at work, though they are extremely close at home. based on our discussion of dialectic theory, which management technique are they using?
They are using segmentation as a management technique.
the required details about Democratic Theory is mentioned below
According to social dialectical theorists, all relationships—friendships, sexual ties, and family relationships—are intertwined in a number of contradictions.
Like any family, the many dialectical approaches have some things in common and some things that set them apart. The traits that are frequent are highlighted in this item.
.
The dynamic interaction between two unified opposites is a contradiction. Comprehending these three concepts—opposites, united, and dynamic interplay—is necessary for understanding this term.
The concept of opposition requires mutual negation since, according to semantics, opposites are synonyms of one another and are used to contradict, undo, cancel, or in some other way undermine one another.
The Chinese concept of Yin and Yang serves as the theoretical foundation for dialectics.
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WILL GIVE BRAINLIEST!! Answer the following 3 questions A, B, C, or D
UPDATE: I JUST NEED 10 & 12
Answer: 10 is a and 12 is b
computing return on equity starbucks reports net income for 2018 of $4,518.3 million. its stockholders’ equity is $5,450.1 million and $1,169.5 million for 2017 and 2018, respectively. a. compute its return on equity for 2018. b. starbucks repurchased over $7,208.7 million of its common stock in 2018. did this repurchase increase or decrease starbucks’ roe? c. if starbucks had not repurchased common stock in 2018, what would roe have been?
The ROE would remain at 136.51% without a share repurchase and would improve further with a share repurchase
What is ROE?
ROE means the return on equity, it is determined as the net income as a percentage of stockholders’ equity, in other words, the return on shareholder's capital which is computed as the net income divided by the average shareholder's equity expressed in percentage terms.
ROE=net income/average stockholders’ equity
net income= $4,518.3 million
average stockholders’ equity=($5,450.1+$1,169.5)/2
average stockholders’ equity=$3309.8
ROE in 2018= $4,518.3/$3309.8
ROE in 2018=136.51%
However, the repurchase of shares would reduce the stockholders’ equity, the denominator of the ROE, hence, ROE would increase
Without the common stock repurchase in 2018, the ROE of the company would have remained at 136.51%
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A jacket costs $50, and the markup is $49.99. What
is its retail price?
The retail price of the jacket is $99.99.
What is retail price?The retail price can be defined as the final price that a good is sold to customers for, those being the end users or consumers and this means that those customers do not buy the product to re-sell it but to consume it. Retail price is not similar to the manufacturer price and distributor price, which are prices set from one seller to another through the supply chain. In competitive, free markets, the final seller or retailer sets the retail price considering costs as well as supply and demand conditions.
When setting the price, the retailer will try to obtain an appropriate profit margin but at the same time to show an attractive price in comparison to competitors. The manufacturer can recommend a retail price in order to have some influence in the decision and thus to guarantee a price aligned to the marketing strategy.
A retail price is the cost paid for a good at retail stores.
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Lisa loves to draw and has a good eye for what is visually appealing. She wants a job where she can work independently, and possibly be self- employed. Which marketing position best matches her interests and career goals? A. Logistician B. Marketing research analyst O C. Sales representative D. Graphic designer
Answer:
D. Graphic designer
Explanation:
Graphic designers use visual arts such as images, words, and graphics to communicate with their audience. They may use hand or computer software to create captivating messages that inform, inspire, and attract customers' attention.
The objective of marketing is to make customers interested in the company's products. Graphic designers can use their talents to create charming visual arts to make customers want to buy a company's products. Graphic designers can be employed, but the majority work as independent contractors. Lisa has the skills to be a graphic designer. She can practice her talent as a self-employed individual.
Answer:
Graphic designer
Explanation:
I just did it
required: compute apple’s profit margin for fiscal years ended (a) september 29, 2018, and (b) september 30, 2017. is apple’s profit margin on a favorable or unfavorable trend? in 2018, did apple’s profit margin outperform or underperform the industry (assumed) average of 12%?
Apple's profit margin has outperformed. Apple's profit margin is on the rise.
Profit margin= net income/ total sales
September 29, 2018= 22.4%
September 30, 2017= 21.1%
(b) Given that it had a net profit margin ratio of 21.17 percent in 2017 and increased by 1.2% by 2018, Apple's profit margin is on the rise.
What is a fiscal year?
A financial year is a time period that is described in governmental accounting. It is sometimes referred to as a fiscal year or a budget year. It is frequently employed to lay out a nation's budget. Typically, a nation's fiscal year won't coincide with the conventional calendar year. Because of this, the nations that use this system typically have tax laws that demand that accounting records be kept and maintained and that taxes be computed and assessed in accordance with the fiscal year that has been established by the government.
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juanita makes $36 an hour at work. she has to take time off work to purchase her dress, so each hour away from work costs her $36 in lost income. assume that returning to work takes juanita the same amount of time as getting to a store and that it takes her 30 minutes to shop. as you answer the following questions, ignore the cost of gasoline and depreciation of her car when traveling.
The opportunity cost of time is $36.
How to calculate the cost?It should be noted that the opportunity cost simply means the real cost of an alternative that's forgone. It should be noted that opportunity cost simply implies the thing that we will forgo just to have something else.
Here, the opportunity cost of time will be:
Travelling time = 30 minutes
Shopping time = 30 minutes
Opportunity cost = 30 minutes + 30 minutes
= 60 minutes
Therefore, the appropriate opportunity cost for this is $36. This is the amount that could have been made for that particular period.
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juanita makes $36 an hour at work. she has to take time off work to purchase her dress, so each hour away from work costs her $36 in lost income. assume that returning to work takes juanita the same amount of time as getting to a store and that it takes her 30 minutes to shop. as you answer the following questions, ignore the cost of gasoline and depreciation of her car when traveling.
Fund the opportunity cost of time.
with relationship selling the salesperson would spend most of his or her contact time with the prospect talking about the product, hoping to close the sale.
The given statement is false. With relationship selling, the salesperson spends most of his or her time attempting to build a problem-solving environment with the customer.
In sales, trade, and economics, a customer is the person who receives an item, service, product, or idea from a seller, vendor, or supplier in exchange for money or another useful consideration. A customer is also referred to as a client, buyer, or purchaser.
A customer is a person or business who receives, uses, or purchases a good or service and has the option of selecting from a variety of products and suppliers. All businesses want to draw clients or customers and convince them to buy the goods they are selling.
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on a market graph which of the following is represented by a line that slips upward from left to right?
The law of supply is expressed by the supply curve, which rises from left to right: The amount supplied rises as a certain commodity's price rises (all else being equal).
A Supply Curve: What Is It?
The supply curve illustrates the relationship between the price of an item or service and the volume delivered over a specific time period. In a typical scenario, the amount supplied will be shown on the horizontal axis and the price will be shown on the left vertical axis.
KEY LESSONS
On the majority of supply curves, as a good's price rises, so does the amount supplied.
Supply curves can frequently predict whether the price of a commodity will rise or fall in response to demand.
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One reason executive judgment can be a particularly important source of competitive advantage is that judgment:
One reason executive appraisals can be such an important source of competitive advantage is that they enable companies to build strong reputations.
Competitive advantage are aspects that make the goods or services of a company superior. Although this term is usually used for the business world, competitive advantage strategies can also be applied by certain organizations, communities, or individuals in a competitive environment.
To gain and maintain a competitive advantage, a company must be able to demonstrate greater quality than its competitors. They must also convey the information to the desired target audience.
For example, if a company has a product at a lower price than that of its competitors, it has a competitive advantage. The same is true if their product offers unique features that other products do not have. To create these advantages, companies can analyze competitive intelligence data to understand the strengths of their competitors.
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Answer:One reason executive appraisals can be such an important source of competitive advantage is that they enable companies to build strong reputations.
Explanation:
money that’s irretrievably gone and instead to focus on the marginal costs and benefits of future options.
Sunk charges are to forget approximately the money and time that is irretrievably long past and rather attention to the marginal cost and blessings of contemporary and future options. cash that’s irretrievably gone and instead to consciousness at the marginal costs and benefits of destiny options.
Marginal cost is the brought value to provide an additional nicely. for example, say that to make 100 automobile tires, charges $a hundred. To make one extra tire might fee $eighty. this is then the marginal fee: how an awful lot it fees to create one additional unit of a great or carrier. The fees of manufacturing decide the marginal price.
Marginal cost refers to the extra cost to produce each additional unit. for example, it might cost $10 to make 10 cups of coffee. To make another would value $0.80. therefore, this is the marginal value – the extra fee to provide one extra unit of output.
Marginal cost represents the incremental costs incurred while producing extra units of a good or service. it's miles calculated by taking the entire alternate inside the value of producing extra items and dividing that through the trade inside the number of products produced.
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An example of consumer spending when calculating the GDP using the expenditures
approach is__.
a. purchase of software
b. purchase of weapons for the military
c. rent
d. none of the above
Answer:
The answer is A and C !
Explanation:
EDGE 2021
Unlike with domestic marketing, one of the key challenges of marketing globally is making sure that the marketing efforts meet the needs of the specific global market—what is also known as.
Unlike with domestic marketing, one of the key challenges of marketing globally is making sure that the marketing efforts meet the needs of the specific global market. It is also known as cultural fit.
What is meant by domestic marketing?The supply and demand of goods and services within a single nation is known as domestic marketing. Although the company may have many market sectors, in domestic trade a firm fundamentally only has to deal with one group of consumers and one set of competitive, economic, and market challenges.
How can domestic market be improved?This can be accomplished via enhancing resource allocation, or redistribution of labour and capital to enterprises with higher productivity. The output from these businesses will increase as a result of improved use of the production variables.
What are similarities between international and domestic marketing?Building goodwill in both the home and international markets is necessary. Developing consumer goodwill is crucial. The era of caveat emptor is over, and now it's the era of caveat vendor. To win over clients, generous guarantees and after-sales service must be offered on a large scale.
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When signing up for a new checking account you answer "No" and opt out of overdraft protection. On this day, you have $10 in your account and go out and use your debit card to buy lunch for $12, a movie ticket for $12 and dinner for $15. What is likely to be the outcome resulting from these transactions?
The outcome of the transactions is that the individual would charge an overdraft fee for more than 1 transaction and the overdrawn amount of $29 would require immediate payment.
What is overdraft protection?
Overdraft protection is a clause in the accounting document which enables the account holder to make withdrawals in excess of their balance, I mean that the checking accountholder is able to withdraw more than the current balance in the account with the understanding that the excess amount withdrawn would be repaid at a future time, but not exceeding a year because overdraft is short-term in nature.
In this case, the account holder is not entitled to overdraft protection because the accountholder already opted out of overdraft protection at the time of account opening
overdraft=($10-$12-$12-$15)
overdraft=-$29
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efficiency in a market is achieved when question 22 options: a) all firms are producing the good at the same low cost per unit. b) the sum of producer surplus and consumer surplus is maximized. c) a social planner intervenes and sets the quantity of output after evaluating buyers' willingness to pay and sellers' costs. d) no buyer is willing to pay more than the equilibrium price for any unit of the good.
Efficiency in a market is achieved when the sum of producer surplus and consumer surplus is maximized, Thus, the correct option is C).
What is efficient market?Market efficiency refers to the degree how well current prices reflect all the available and relevant information about the assets and securities.
The more information available to all the market participants, would make the more efficient. There are three common types market efficiency are allocative, operational and informational.
Basically, a market is consider to be efficient if the allocation of resources maximises total surplus.
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when companies systematically engage in increasing the international dimension of their business activities it is known as . question content area bottom part 1 a. foreign direct investment b. internationalization c. strategic alliances d. international portfolio investment e. international investment
When companies systematically engage in increasing the international dimension of their business activities it is known as internationalization.
Internationalization refers to a company that takes steps to increase its footprint and capture greater market share outside of its country of domicile by making branches into the international markets.
The global corporate trend towards the internationalization has helped a lot in pushing the world economy into a state of globalization, in which the economies throughout the world become a lot of highly interconnected area due to cross-border commerce and finance.
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fran massey earns three times as much as an actuary than sshe does as a writer. her total income is $40000 more than that of her brther, who earns only half as much as fran does as an actuary. what is fran's salaray as an actuary
fran's salaray as an actuary is = $48,000.
She makes x dollars as a writer and x dollars as an actuary.
The result of adding those is 4x = 40000 + A.
where A is equal to (3x)/2, the annual wage of her brother.
When x solves the equation 4x=40 000 Plus (3x)/2,
x=16 000.
Therefore, her actuarial pay is
3 × $16,000
= $48,000.
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who was the first wwe champion
Answer:
Buddy Rogers
Explanation:
Answer: Buddy rogers, is the correct answer.
what are true statements about the history of the fractional banking system? multiple select question. the gold reserves represented over 100% of the total money supply. the gold receipts were not accepted as a medium of exchange. goldsmiths issued paper receipts in excess of the amount of gold held. goldsmiths put the paper receipts into circulation by making loans. traders would deposit their gold with goldsmiths.
The true statements about the history of the fractional banking system include the following:
"Goldsmiths issued paper receipts in excess of the amount of gold held.""Goldsmiths put the paper receipts into circulation by making loans.""Traders would deposit their gold with goldsmiths."What is a fractional banking system?A fractional banking system can be defined as a type of banking system in which only a fraction (small portion) of checkable deposits are backed up by actual cash in bank vaults or deposits in the central bank, and are available for withdrawal.
This ultimately implies that, banks that are operating on the basis of fractional reserves are very much vulnerable and prone to either panics (runs).
Basically, the true statements about the history of the fractional banking system include the following:
Many goldsmiths issued paper receipts in excess of the amount of gold they held. Paper receipts were put into circulation by goldsmiths through loans. Traders usually deposit their gold with goldsmiths.Read more on fractional banking system here: https://brainly.com/question/25239575
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Which is a valid prediction about the continuous function f(x)? f(x) ≥ 0 over the interval [5, [infinity]). f(x) ≤ 0 over the interval [–1, [infinity]). f(x) > 0 over the interval (–[infinity], 1). f(x) < 0 over the interval (–[infinity]. –1).
Answer:
The answer is "[tex]f(x) \geq 0 \ \text{over the interval} (5, [\infty]).[/tex]"
Explanation:
In this question, the first choice is correct because it is hard to say without seeing the charts we wouldn't understand the rule feature, it could be said the very same. Even so, three non-responses may be omitted.
In choice B, it is incorrect since f(x) has an [1,3] interval, in which it shows below zero, but f(x) is not below zero for the residual period to the left of x+3. In choice C, it is wrong because the x = -1 value contributes to f(x) = 0, which may never exceed 0. In choice C, it is wrong because it gives the 8 and 4, which was positive.during september, sally's hair salon purchased $900 of supplies on account. in october, sally's wants to make a payment of $200 on this bill. record the october transaction into sally's accounting equation by: (check all that apply.) multiple select question. increasing supplies, $900. decreasing accounts receivable, $200. increasing supplies, $200. decreasing accounts payable, $200. decreasing cash, $200.
Correct answer is
Decreasing Account Payable, $200Decreasing Cash, $200The connection between an entity's assets, liabilities, and owner's equity is represented by the basic accounting equation, often known as the balance sheet equation. It serves as the system's cornerstone for double-entry bookkeeping. The total debits and total credit for each transaction are equal.
Capital in a corporation is the stockholders' equity. Since every business transaction impacts at least two accounts, the accounting equation will constantly be "in balance," which means the left and right sides of a company's balance sheet should always be equal. In essence, the accounting method demonstrates that the firm's assets were acquired using equity and/or liabilities.
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a firm has a when its goods are made more valuable in the presence of those of another firm. competitor substitute supplier complement
A firm has a when its items are made greater precious within the presence of these of any other company: complement
A firm is a for-profit commercial enterprise—including an employer, limited liability business enterprise (LLC), or partnership—that gives professional services. A firm is any type of business. Examples of firms are a sole proprietorship, partnership, restrained liability employer, or enterprise. The time period is slightly greater commonly related to a partnership.
According to the net Etymology Dictionary, in 1744, the time period first emerged in the English language with the means of 'business residence'. it's miles believed to have come from the German Firma which means 'a enterprise, call of an enterprise,' which came from the Italian word Firma, which means 'signature', and Firmware 'to sign'.
A firm can be a company such as a consumer item keep that offers a physical product. it can additionally describe service providers together with barbers. though the word firm can confer with any for-income commercial enterprise, we use it greater regularly to describe entities in particular industries consisting of regulation and accounting.
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stockholders' equity as of may 31, 20y3, assuming that assets increased by $126,190 and liabilities increased by $75,870 during 20y3.
Assets = Liabilities + Stockholders' Equity (A = L + E) is the accounting equation.
A). December 31, 20Y2: Using the values in the issue as a substitute, you get
777,000= 186,000 + E. Subtract 186,000 from both sides to find the answer for E.
E = 591000
The financial situation of a company as of a particular date is provided by the accounting equation. The balance sheet, which is a component of a company's financial statements, contains these accounts.
What is meant by Stockholders' equity?The amount of assets still accessible to shareholders after all obligations have been satisfied is known as shareholders' equity, sometimes known as shareholders' or owners' equity. It can be computed as the sum of a company's share capital and retained profits less treasury shares or alternatively as the firm's total assets less total liabilities. Common stock, paid-in capital, retained earnings, and treasury stock are all examples of stockholders' equity.
Complete Question -Accounting Equation Shannon Cook is the stockholder and operator of You're A Star LLC , a motivational consulting business. At the end of its accounting period, December 31, 20Y2, You're A Star has assets of $777,000 and liabilities of $186,000. Using the accounting equation determine the following amounts:
A. Stockholders equity as of December 31, 20Y2 .
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